KLU 64923 - Credit Card Financing

Pemetaan KBLI

• KBLI terkait belum dipetakan.

Deskripsi KLU

This group includes businesses whose main activities are financing transactions for the purchase of goods and services by credit card holders. For example, Dinners International, AMEX. - - - 1178 64929 OTHER NON-LEASING FINANCING This group includes non-leasing financing businesses other than those covered in groups 64921 to 64923, for example, Indonesian export finance companies, companies that provide long-term finance for industrial activities by industrial banks, money lending companies outside the banking system, credit loan companies for home purchases by special non-depository institutions, and infrastructure companies. - - - 1179 64991 VENTURE CAPITAL This group includes businesses whose main activity is to carry out financing activities in the form of capital participation in a business partner company (Investee Company) for a certain period of time. For example, BNIVentura, South Sumatra Venture Facility. - - - 1180 64992 FACTORING FINANCING This group includes businesses whose main activities are to carry out financing activities in the form of purchasing or transferring receivables or short-term bills of a company from domestic or foreign trade transactions. For example, Niaga factoring. - - - 1181 64993 GUARANTEE INSTITUTION This group includes the activities of guarantee institutions including guarantee companies and reguarantee companies. Peru is a company that carries out guarantee activities for the fulfillment of the financial obligations of the Credit Recipient and/or Financing based on Sharia Principles. A re-guarantee company is a company that carries out activities to provide guarantees for the fulfillment of Peruvian financial obligations or guarantees that have guaranteed the fulfillment of the financial obligations of the Credit and/or Financing Recipient based on Sharia Principles. - - - 1182 64999 OTHER FINANCIAL SERVICES THAT CANNOT BE CLASSIFIED ELSEWHERE, OTHER THAN INSURANCE AND PENSION FUNDS This group includes other financial services activities, especially assisting non-lending funds, such as writing of swaps, options and other restriction arrangements and the activities of companies to settle the purchase of insurance policies from bankrupt companies. - - - 1183 65111 CONVENTIONAL LIFE INSURANCE This group includes insurance businesses that provide services in the management of risks associated with the life or death of an insured person. Old age benefit coverage and life insurance policies, insurance policies due to income incapacity and accidental death and insurance deductible policies (with or without large savings aspects). For example, health insurance, education insurance. - - - 1184 65112 SHARIA LIFE INSURANCE This group includes insurance businesses with sharia principles that provide services in mitigating risks associated with the life or death of an insured person. Old age benefit coverage and life insurance policies, insurance policies due to income incapacity and accidental death and insurance deduction policies (with or without large savings aspects). For example, health insurance, education insurance. - - - 1185 65121 CONVENTIONAL NON-LIFE INSURANCE This group includes insurance businesses that specifically bear the risk of loss, loss of property/property including legal liability to third parties that may occur to the insured’s property/property for certain reasons with a sum insured that has been determined and agreed upon by both parties listed in the agreement. Provisions for insurance services other than life insurance, such as accident and fire insurance, health insurance, travel insurance, property insurance, transportation insurance, motor vehicles, ships and flights, and liability and financial loss insurance. - - - 1186 65122 SHARIA NON-LIFE INSURANCE This group includes insurance businesses with sharia principles that specifically bear the risk of loss, loss of property/miik as well as legal liability to third parties that may occur to the insured’s property/miik for certain reasons with an insured value whose amount has been determined and agreed upon by both parties listed in the agreement. The provision of insurance services in addition to life insurance, such as accident and fire insurance, health insurance, travel insurance, property insurance, transportation insurance, motor vehicles, ships and flights and liability and financial loss insurance. - - - 1187 65201 CONVENTIONAL REINSURANCE This group includes conventional reinsurance activities or covering all or part of the risks related to existing insurance policies covered by other insurance companies. - - - 1188 65202 SHARIA REINSURANCE This group includes reinsurance activities with sharia principles or covering all or part of the risks related to existing insurance policies that are borne by other insurance companies. - - - 1189 65300 PENSION FUND This group includes the business of providing a certain amount of money that is paid periodically or at once in retirement as old-age compensation/pension. Its activities include employee benefit plans, pension plans and funds, and retirement plans. Included in this group is trying to collect and invest funds for the purpose of paying a certain amount of money in retirement. Mandatory social security funding and administration organized by the government for the benefit of the community/general public are included in the 84300 group. - - - 1190 66110 MONEY MARKET ADMINISTRATION (STOCK EXCHANGE) This group includes businesses that organize and provide systems and/or means to bring together the bidding (selling and buying) of securities of other parties with the aim of trading securities between them. Its activities include the operation and supervision of money markets other than general authorities, such as commodity contract exchanges, commodity futures contract exchanges, securities exchanges, stock exchanges and commodity or stock options exchanges. For example, BES, BEJ. - - - 1191 66121 UNDERWRITER This group includes the business activities of parties who enter into contracts with issuers to conduct public offerings for the benefit of issuers with or without obligation to purchase the remaining unsold securities. - - - 1192 66122 BROKER-DEALER This group includes the business activities of parties who buy and sell securities for the benefit of the mandater. Buying and selling securities for self-interest is included in group 64190.

Norma dan catatan pajak

• Norma 10 ibu kota provinsi: 62.5%
• Norma ibu kota provinsi lainnya: 62.5%
• Norma daerah lainnya: 62.5%
• Verifikasi silang dengan DJP sebelum filing pajak.

Tool terkait

• Kalkulator PPh 21 TER
• Tarif pajak

Mengapa KLU tidak boleh dibaca seperti KBLI

KLU adalah layer pajak, bukan klasifikasi usaha utama untuk semua keputusan operasional. Dalam praktiknya KLU dipakai untuk membaca norma, jalur pelaporan, dan konteks pajak, sedangkan KBLI dipakai untuk mendeskripsikan aktivitas usaha. Karena itu dua layer ini harus dibaca bersama, bukan dipertukarkan seolah-olah artinya sama.

Cara memakai halaman KLU dengan benar

Mulai dari deskripsi kegiatan usaha dan pastikan kode KBLI yang dipilih memang relevan. Setelah itu gunakan halaman KLU untuk membaca norma, catatan pajak, dan titik validasi ke DJP. Jika KLU yang tampil terasa terlalu umum, tim harus kembali ke aktivitas usaha inti dan memeriksa apakah mapping antar-layer sudah benar.

Risiko jika KLU dibaca terpisah

Bila KLU dibaca terpisah dari KBLI dan struktur usaha, hasilnya sering hanya menjadi angka norma tanpa konteks. Itu berbahaya untuk budgeting dan filing karena pengguna bisa merasa sudah memilih kode yang benar padahal deskripsi aktivitas, dokumen perusahaan, dan treatment pajaknya belum sinkron.

Sumber

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